This page is intended for educational purposes only. MyChoice is in no way associated with the company mentioned.
Sonnet Car Insurance: Digital Overview
| Available in Canada? | Yes. Sonnet offers online auto insurance in Ontario, Quebec, New Brunswick, Nova Scotia and Prince Edward Island. |
| Available in Ontario? | Yes. |
| Direct, broker or affinity distribution | Direct-to-consumer digital insurer. Policies cannot be purchased through a broker or dealership; eligible groups and affinity partners may receive discounts. |
| Underwriting company | Sonnet Insurance Company, a Definity Financial Corporation subsidiary. |
| How to get a quote | Quote, customize and buy directly online at sonnet.ca. |
| How to report a claim | Start a claim through the Sonnet online account or mobile app; 24/7 claims support is available through Sonnet’s contact channels. |
| Digital account or app | Yes. The online account manages policies and claims. The iOS/Android Sonnet app provides policy documents, digital slips, payments, coverage changes and digital claims; the app is required for Sonnet Shift. |
Building a Sonnet Auto Policy Online
- Ontario auto policies offer mandatory liability and accident-benefits coverage plus optional collision and comprehensive coverage.
- Sonnet’s Enhanced Protection Bundle includes rental-car-related protection; the Ontario page says rental costs can be covered after an at-fault collision or during a comprehensive claim, subject to selected coverage and policy terms.
- Sonnet Shift is voluntary usage-based insurance in Ontario and Quebec. The app scores driving and applies discounts or surcharges; it also includes a mileage discount.
Read More: What Coverages Are Available in Ontario
Sonnet Discounts Built Into an Online Quote
- Sonnet publicly lists home-and-auto bundling, multi-vehicle, multi-location, claims-free, ticket-free, university/college student or graduate, group/association and Ontario winter-tire discounts, subject to eligibility.
- Ontario drivers can also use Sonnet Shift: Sonnet advertises up to 35% savings for safer driving plus up to 10% for driving less, while warning that riskier driving may produce a surcharge.
Starting and Tracking a Sonnet Claim
About Sonnet Car Insurance
Car insurance has been a driving staple for as long as cars have been popular. This has resulted in car insurance getting the reputation of being an expensive chore that frequently leaves drivers out to dry.
Prices and claims vary by customer. Actual price and claim outcomes cannot be guaranteed.
Since 2016, Sonnet has offered customers the ability to get a quote and buy Home and Auto Insurance digitally, in addition to access to Licensed Agents that can help with any of their needs.
Sonnet Customer Ratings Beside Digital Insurers
| Insurance Provider | Company’s Online Rating |
|---|---|
| Sonnet | 1.5/5 |
| Aviva | 4.5/5 |
| Esurance | 1.3/5 |
| Economical | 2.2/5 |
| PC | 4.4/5 |
Sonnet Car Insurance Pros & Cons
Wondering about Sonnet reviews? Find out more from the summary of Sonnet reviews found online that talk about the benefits and drawbacks of choosing Sonnet car insurance.
| Pros | Cons |
|---|---|
| Competitive Initial Rates | Rate Increases Over Time |
| Efficient and Easy Claims Process | Slower Than Usual Claims Resolution |
| Good Customer Service Experience (Initially) | Difficulty in Resolving Simple Issues |
| Backed by Economical, a Large Insurance Provider | |
| Good Handling of High-Damage Claims |
What Other Insurance Products Does Sonnet Offer?
Home and Auto Insurance from Sonnet is currently available in Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I.; Alberta and B.C. receive Home Insurance only. Saskatchewan, Manitoba, Newfoundland and Labrador and the territories are not currently served. Homeowner, Condo, Tenant and Landlord coverage make up the property choices. A separate Sonnet Pet channel offers Pet Insurance, for which policy documents name Petline Insurance Company.
Don’t compare policies based on an insurer’s claim that theirs is the most comprehensive. Compare based on the details within each policy. Review the wording of your quote/policy. Coverage, Limits, Exclusions, and Optional Endorsements vary by policy.